Financial Services / Banks - RegionalNasdaqCM
$29.41
-0.38 (-1.28%)
Book/ROE base 3Y
n/d
n/d CAGR · P/B n/d
Book/ROE base 5Y
n/d
n/d base · n/d expected
Precio de entrada
n/d
MOS 100% · confianza 20%
Book/ROE escenarios
weak_data · book/share n/d · quality 50.0/100
Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.
SA Score
32/100
D
Piotroski
5/9
balance/quality
Valuation
50/100
+0.0% upside
5Y CAGR
+0.0%
50/100
Data QA
16/100
SEC 0%
Sin guardar todavía.
Market Cap
$426M
P/E
24.1x
↑EV/EBITDA
N/A
•ROE
12.6%
↑Gross Margin
N/A
•Debt/Equity
0.19
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+20.9%
FCF CAGR
-1.1%
FCF margin
12.4%
FCF / Net income
0.44x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $74.0M · net income $20.9M · FCF $9.1M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $74.0M | $74.0M | $60.7M | $45.8M | $41.8M |
| Net Income | $20.9M | $20.9M | $18.6M | $10.9M | $10.9M |
| EPS | 1.44 | 1.44 | 1.39 | 0.84 | 0.84 |
| Net Margin | 28.3% | 28.3% | 30.7% | 23.9% | 26.0% |
| Balance Sheet | |||||
| Debt/Equity | 0.19 | 0.19 | 0.22 | 0.62 | 0.33 |
| Cash Flow | |||||
| Free Cash Flow | $9.1M | $9.1M | $26.3M | $-37.9M | $9.5M |
| Returns | |||||
| ROE | 12.6% | 12.6% | 13.2% | 11.1% | 12.5% |
| Valuation | |||||
| P/E | 24.11 | 24.11 | 28.66 | — | — |
| P/B | 2.57 | 2.57 | 3.80 | — | — |
| Growth & Yield | |||||
| Revenue Growth | 21.8% | 21.8% | 32.6% | 9.5% | — |
| EPS Growth | 3.6% | 3.6% | 65.5% | 0.0% | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
21.9%
EPS terminal req.
$2.61
Spread vs growth
-18.3%
5Y implied EPS CAGR
17.0%
EPS terminal req.
$3.16
Spread vs growth
-13.4%
10Y implied EPS CAGR
13.4%
EPS terminal req.
$5.09
Spread vs growth
-9.9%
Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.
Total return
-24.2%
Start / end P/E
27.9x → 20.4x
EPS bridge
1.39 → 1.44
Residual
-1.0%
Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.